In most cases, your network provider will file your healthcare claim on your behalf. However, if you're traveling outside of the country or seek services outside of the network, you may be required to pay upfront. In these cases, you will need to file a healthcare claim to be reimbursed for the covered expenses.
Note: At the time of service, it's important that you ask for an itemized bill if you will be filing your own claim. This will need to be mailed with your claim form.
An itemized bill from your provider should include:
HOW TO FILE A CLAIM
GUIDELINES FOR SUBMITTING CLAIMS